VISA
NAB
Best Low Rate AUS
NAB Low Rate Credit Card
National Australia Bank · 🇦🇺 Australia · VISA
4.4Very Good
Annual Fee
AUD $59
Low fee relative to benefit
Rewards Rate
No rewards
None
Intro Offer
0% balance transfer for 32 months (3% fee)
Credit Score
620–850
Fair – Excellent
Purchase Intro APR
None
Balance Transfer Intro APR
0% for 32 months (longest in Australia)
Regular APR
12.99% p.a.
Tekkivo Expert Verdict
For Australians carrying high-interest debt, the NAB Low Rate card's 32-month 0% balance transfer is the single most valuable offer in the market. Moving $10,000 at 20% to 0% saves ~$5,300 in interest.
Best for: Australians with existing credit card debt wanting maximum balance transfer period
Key Benefits
- 32-month 0% balance transfer — Australia's longest
- 12.99% p.a. purchase rate
- Low $59 annual fee
- Purchase protection insurance
Pros
- ✓Australia's longest 0% balance transfer period
- ✓Genuinely low purchase rate
- ✓Low annual fee for a major bank
Cons
- ✗No rewards program
- ✗3% balance transfer fee
Card Details
Foreign Transaction Fee: 3%
Credit Limit: AUD $1,000 minimum
Card Network: visa
Rewards Type: None
NAB Low Rate Credit Card
4.4
Annual FeeAUD $59
RewardsNo rewards
Intro Offer0% balance transfer for 32 months (3% fee)
on National Australia Bank's website